Commercial liability insurance is one of the most important forms of insurance for any business. It pays out claims from third parties arising from personal injury and damage to property. If unjustified claims are made against your company, it defends against these. Claims for damages vary greatly in nature and represent a risk that is difficult to assess because they can quickly become very expensive. Taking out an insurance policy that will protect you from those risks, like commercial liability cover, is therefore well worth it.

Anergie AG is holding an open day at which it gives a live demonstration of the latest developments in heat generation. An employee has screwed the machine together incorrectly. Unfortunately, a sharp object works loose and hits a visitor on the back of the head. She has to be admitted to hospital immediately and examinations indicate moderate concussion and suspected whiplash. Anergie AG is responsible for this. The visitor pursues large claims for damages. Thanks to its commercial liability insurance, the fledgling company does not have to pay out itself, but knows that it is properly protected.